[UnFleshedOne]

That works the other way too -- if you can increase your metabolism you can lose weight without eating less.

Strength training is one way to do that for example -- more muscles, more food burned just by sitting there.

Getting back to the perfect analogy with debt -- you can spend more or less money and control your debt that way, or you could make more, or a combination of the two. Which way is likely more effective in your case is what varies.

Saying that controlling debt is as simple as spending less than you make is both true and too general to be useful.